How late is too late to start your path to financial freedom and even to early retirement? With nearly 80% of American workers living paycheck-to-paycheck, this question will hit most households painfully in their 40s, 50s, or even 60s. Perhaps you find yourself with just enough retirement savings to last barely a year, or maybe life has thrown you some financial curveballs like going through a divorce, being widowed, or losing your livelihood. You worry, stress, and even fear what post-employment life could possibly look like. Now is the time to take control of your own financial destiny. In just a few short years, you can create a passive income and organize your personal finances so you may elect to leave your employment and live the meaningful life you crave. With nearly two decades of financial counseling and education to his credit, author Todd Christensen has seen and knows what it takes to regain control of your finances, your debt, your credit, and your spending to channel your energies to your top priorities. You've wanted a roadmap for so long now. Aren't you ready to jump off the mindless road to nowhere and jump on the path to financial freedom? Fortunately, the secret to early retirement works at all ages.